Looking for higher limits at NFCU -- what should I apply for?

[beekrock]

I currently have both a NFCU platinum VISA and a platinum MC. One has a limit of $25k and the other is $24k.

 

I'm looking to apply for either NavChek or the Flagship rewards card. I should note that I'm definitely applying for their business card first, as it doesn't report to personal reports. I'm not sure how their max exposure is calculated or if they include their PGed business cards in that calculation, but would it be best to apply everything and just see what happens? Or, would the Flagship card not help me in my quest for high limits seeing as I already have two personal cards?

[Matti]

I'm not sure what you mean.

 

If your goal is higher limits... Why not re-allocate the limit from one card to the other?

 

That would put you at $49,000 on a single card. Max limit is $50,000 for all cards except for Flagship...Which is $80,000.

[mendelssohn]

You could always PC one of them to the Flagship, close the second card and move the limit to the Flagship and CLI from there.

 

As Matti said, the max CL on the Flagship is $80K and on the others $50K, so you would already be almost at the max after combining limits.

 

The max on the LOC is only $15K BTW and is not counted as part of CC exposure.

[OilOperator]

I currently have both a NFCU platinum VISA and a platinum MC. One has a limit of $25k and the other is $24k.

 

I'm looking to apply for either NavChek or the Flagship rewards card. I should note that I'm definitely applying for their business card first, as it doesn't report to personal reports. I'm not sure how their max exposure is calculated or if they include their PGed business cards in that calculation, but would it be best to apply everything and just see what happens? Or, would the Flagship card not help me in my quest for high limits seeing as I already have two personal cards?

You have to fill out a personal financial statement for there business loans (CC, LOC, etc) once you go over the 10K request. There business division isn't connected to the personal side. They do separate credit pulls, have different score qualifications, etc.

[beekrock]

Thanks for the replies. Sorry if I wasn't clear in my question (long day!)

 

Between the three of you, all of my questions were answered! I wasn't sure if they counted the Navchek as CC exposure. I think I'm going to re-allocate my limits to the Flagship. And thanks, Oil, for the reminder about the 10k limit for docs on the business card!

[Fuerza]

I'm not sure what you mean.

 

If your goal is higher limits... Why not re-allocate the limit from one card to the other?

 

That would put you at $49,000 on a single card. Max limit is $50,000 for all cards except for Flagship...Which is $80,000.

Is $50k still the highest limit for the none Flagship rewards card? I have $25k on my Cash Rewards and want a CLI. I'm unsure how to approach the CLI. $50k would me amazing!